no one answers the door when a suit comes to it. he knocks, he knows you're home, but you do not respond. you hope he will turn around and leave. you hope he realizes his mistake, that he has rung the doorbell of the wrong house.
but the collector is never wrong. he never leaves without payment.
you sit there, still and silent, hoping. but he will knock again. he will ring again. he will wait. and you will have to give him an answer. give him the payment he has come to collect.
better to get it over with.